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U.S. Bank Business Cash Rewards World Elite™ Mastercard® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
13.99% ‐ 22.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
13.99% ‐ 22.99% (Variable) (0% for the first 12 months)
Balance Transfer
13.99% ‐ 22.99% (Variable) (0% for the first 12 months)
Balance Transfer
13.99% ‐ 22.99% (Variable) (0% for the first 12 months)
Rewards
1 - 3% cashback
Rewards
1 - 3% cashback
Signup Bonus
$500 after spending $3,000
Signup Bonus
$500 after spending $3,000


7.9/10
Informr score
The U.S. Bank Business Cash Rewards World Elite™ Mastercard® currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Business Cash Rewards World Elite™ Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


FinanceBuzz
FinanceBuzz

The U.S. Bank Business Cash Rewards World Elite Mastercard can provide you with plenty of rewards, but it may not be the best fit for every financial situation. 

- Ben Walker, FinanceBuzz
The Balance
The Balance

You’ll earn 3% cash back on gas purchases for your business. This is among the best gas rewards rates out there, especially for a business card.

- Lindsay Vansomeren, Matthew Klammer, The Balance
Money Crashers
Money Crashers

Likely won’t win awards for its generosity or innovativeness in its current form. It’s a classic business cash back card with a relatively straightforward rewards program and a solid lineup of business benefits, including the discount-rich MasterCard Easy Savings Network. For many business owners, i...

- Brian Martucci, Money Crashers
Investopedia
Investopedia

The U.S. Bank Business Cash Rewards World Elite Mastercard offers not only an easily earned  bonus (of $200 for spending $1,000 on purchases in the first 90 days with the account) but a 25% annual bonus (of up to $250) on cash rewards that are decent, at least for the card’s bonus categories. That s...

- Lance Cothern, Investopedia
CreditCards.com
CreditCards.com

Business owners will appreciate the generous earning scheme of this no-annual-fee World Elite credit card, as well as the simplicity of earning and redeeming cash back.

- Andy Shuman, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 13.99% ‐ 22.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.99% ‐ 22.99% (Variable) (0% for the first 12 months)
  • Intro rate applies on balances transferred within the first 30 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


3%

Of each transaction in foreign currencies.

Over Limit Fee $39.00

Maximum

Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $500 after spending $3,000

On purchases within the first 90 days.

Rewards
All Purchases 1% cash back
Restaurants No
Gas 3% cash back
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 3% cash back on eligible office supply store and cell phone/service provider
  • Receive a 25% annual bonus based on your prior year’s Cash Rewards up to $250.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Chip technology
  • Encore Relationship Rewards

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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